Umbrella Insurance King of Prussia

Umbrella Insurance King of Prussia Pennsylvania – For Your Complete Peace of Mind

Why is Umbrella Coverage a Good Idea?

Umbrella policies can provide an additional layer of insurance protection to the coverage on your car, home, boat, motorcycle or ATV for a very low price.

Since most insurance companies will not offer a standalone umbrella policy, it’s best to package your car, home, and umbrella with the same insurance carrier.

To begin an online quote click on: Umbrella Insurance King of Prussia or call the experts at 610-413-9880 to find the best umbrella insurance coverage in King of Prussia Pennsylvania. We can assist in tailoring a package that is right for you.

Coverage Scenario Involving Umbrella Coverage

Let’s consider a hypothetical scenario in which umbrella coverage could apply to your homeowners insurance.

Coverage Scenario: You notice that your roof may have been damaged by recent storms so you contact a local roofing contractor to provide an inspection and estimate on the cost to repair the damages. The contractor is named Charlie and he shows up bright an early Saturday morning and he mentions that his helper called in sick. Charlie asks if you would not mind holding the ladder steady as he climbs up to inspect your roof.

You say no problem you’re glad to give a hand. Charlie places the ladder on the backside of your home and starts climbing the two stories to the top of your house. Just as Charlie is about to take the final step he loses his balance and falls two stories to your concrete patio and is badly injured. You call 911 and local paramedics quickly take Charlie to the hospital.

You later learn that Charlie broke his back from the fall. Eight weeks after this unfortunate event you are named in a lawsuit because Charlie is claiming that you were negligent in holding the ladder that caused his fall. Charlie is suing you for $2 million because he will never be able to work again. You turn the claim into your insurance company. Thank goodness your agent talked you into purchasing that $2 million umbrella policy last year.

Could you be held liable for injuries sustained by contractors you invite on your premises and are subsequently injured?

In our next article we will discuss that very issue.

Suffice it to say, umbrella coverage may be the extra measure of protection homeowners need! What are some other hypothetical scenarios that could put a policyholder at risk?

Did you own a dog? Do you have a trampoline, swing set or pool on your property? Do you entertain often? Do you serve alcoholic beverages to guests? Do you drive long distances? Do you carpool or transport your neighbor’s kids? Do you have youthful drivers under 25 on your auto policy? Would you have snow or ice on your sidewalk, driveway, or walkway during inclement weather? These are just a sample of some of the everyday risks that may put your assets at risk.

King of Prussia Umbrella Insurance Is Very Low Priced and Worth the Investment

Contact our agency today at 610-413-9880 to obtain the best Pennsylvania umbrella insurance quotes. It’s best to have your car, home, and umbrella coverage with the same company.

We can also help you obtain quotes online in 5 min. or less, click on car insurance quotes King of Prussia.